Shoreham Bank
Warwick, RI · Cert 27417 · Peer group: banks under $1B in assets (n=573-620) · Jamestown Trust#3
State savings bank · OCC · 4 branches
Q2 2026
$534.8MAssets
$468.8MLoans
$420.5MDeposits
$55.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 77% of banks under $1B in assets (rank 145 of 620).
- Widest gap: net charge-offs / loans trails 96% of banks under $1B in assets (rank 551 of 573).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.48%
Rank 503 of 620
Net Interest Margin
4.06%
Rank 145 of 620
Efficiency Ratio
76.56%
Rank 431 of 620
Equity / Assets
10.34%
Rank 332 of 620
Non-interest income vs. expense
Unfavorable gap of $14.2M · efficiency ratio beats 31% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.48% | 0.60% | 1.00% | 1.45% | Beats 19% | 503 / 620 | |
| Return on Equity | 4.60% | 5.30% | 9.30% | 13.29% | Beats 21% | 487 / 620 | |
| Net Interest Margin | 4.06% | 3.02% | 3.53% | 4.04% | Beats 77% | 145 / 620 | |
| Efficiency Ratio | 76.56% | 58.35% | 68.08% | 79.37% | Beats 31% | 431 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.12% | 0.09% | 0.47% | 1.27% | Beats 28% | 413 / 573 | |
| Net Charge-Offs / Loans | 0.45% | n/a | 0.01% | 0.06% | Beats 4% | 551 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 12.73% | 11.27% | 13.87% | 18.78% | Beats 40% | 369 / 620 | |
| Total Risk-Based Capital Ratio | 13.99% | 11.69% | 14.57% | 19.67% | Beats 46% | 333 / 620 | |
| Equity / Assets | 10.34% | 9.03% | 10.60% | 13.73% | Beats 46% | 332 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 111.49% | 65.08% | 79.69% | 92.47% | 96th pctl | 23 / 585 | |
| Loans / Assets | 87.66% | 51.85% | 67.17% | 77.86% | 96th pctl | 24 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |